TomoCredit

TomoCredit Inc.

About this app

Build, Repair Your Credit with Tomo & Earn Up to $100,000 in Credit

Unlock your financial potential with Tomo, the ultimate platform for credit building and financial empowerment. Whether you're looking to improve your credit score, manage your bills, or gain deeper insights into your financial health, Tomo has you covered.


💳 Grow a Credit Line Up to $100,000

Start with a credit line you can grow over time. Responsible usage unlocks higher limits and strengthens your credit history.


📈 Boost Your Credit Score

Build credit with on-time payments and smart credit usage that reports to all major credit bureaus.


🤖 AI Finance Assistant

● Get personalized, AI-powered insights to:
● Understand your credit score
● Track spending and bills
● Learn how to improve your credit faster
● Make smarter financial decisions in real time

Your AI assistant adapts to your financial behavior and helps guide you every step of the way.


🚫 No Hard Credit Checks

Get started without hard inquiries that can negatively impact your credit score.


🧾 Rent & Bill Reporting

Turn everyday payments into credit-building opportunities with rent and bill reporting.


🔍⚠️ Credit Monitoring & Reports

● Monitor your credit score, receive real-time alerts, and access detailed credit reports to track progress.

● Find and fix all your credit errors


⚖️ Dispute Inaccurate Credit Items

Identify and dispute incorrect or negative items directly from your credit report.


🛎️ Priority Support

Enjoy fast, dedicated customer support whenever you need assistance.

Ratings and reviews

DO NOT SIGN UP FOR THIS APP! The only way you can cancel their subscription ($14.99 at the cheapest) is to wait 2 months for a "free debt counseling" call that they conveniently don't have an opening for. They will take your money and you will get ZERO benefit. They can't even issue cards (Mastercard dropped them) and you will be getting taken advantage of. Good luck if you don't head this warning. The positive reviews on here are from bots, developers, and "employees".

False advertisement. The app advertises as non-credit check credit card, that bases your limit on your banking. 1st before you can get qualified, it asks for $14.99, which you think is being paid so you can get access to credit. Not! once it's paid they immediately try to upsell you to a plan that costs either $50 or $90 monthly. You can't get an actual card until you upgrade. All I know is that I want my $14.99 back before I file a complaint.

This has been so easy to navigate! It also makes me feel more secure - when I put my phone down it required my biometrics login or password to see the app again. It is easy to move throughout the app and find you score or options to improve it. The option to include your banking so it can breakdown your spending is a great insight to exactly where your money is going.

What’s new

Welcome to the launch of Tomo, your new partner in credit building and financial empowerment. We're excited to offer a suite of features designed to help you improve your credit score, manage your finances, and gain financial literacy.